If I am Unable to Get Homeowners Insurance What Options Do I Have?

May 9, 2020

Explore the right option based on why you can't get insurance

The specific answer is going to depend on why it is that you can’t get homeowners insurance.

Some of the reasons people can’t get homeowners insurance include:

Condition of the home

Homes that are in disrepair or under construction may be eligible for other forms of coverage such as:

Dwelling/Standard Fire Policy
Builders Risk

Occupancy of the home

An unoccupied or vacant structure may be able to obtain a dwelling or standard fire policy.
A non-owner occupied house may find a landlord or dwelling fire policy is an option.

A Home located in a High Hazard Area

Homes near high hazard areas such as coastal properties or wild-fire areas may have state-sponsored Fair Access to Insurance Requirements (FAIR) plans available.

FAIR plans may also be available for homes that do not qualify for homeowners insurance because of their current condition.

Examples of FAIR plans include:

New York: New York Property Insurance Underwriting Association
Florida: Citizens Property Insurance Corporation
Louisiana: Citizens Property Insurance Corporation
California: FAIR Plan

When looking to insure a home that has been turned down by other carriers, employ the services of an insurance agent who represents numerous companies. Called a Broker or Independent Insurance Agent, these professionals have access to a greater number of options and solutions. The Ryan Agency is your local Independent Insurance Agency. Give us a call , send us an email or text , or request a quote. We can help.

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